Welfare broker

AP BENEFIT ADV LLC DBA ENV INS AGY

Mailing address (most recent filing)

7789 OSWEGO ROAD

LIVERPOOL, NY 13090

Total comp: $102K
Commissions: $102K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where AP BENEFIT ADV LLC DBA ENV INS AGY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.5M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NY	1	$3.5M	0.0%	19.82x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of AP BENEFIT ADV LLC DBA ENV INS AGY's plans by broker comp / premium ratio. Median 3.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of AP BENEFIT ADV LLC DBA ENV INS AGY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where AP BENEFIT ADV LLC DBA ENV INS AGY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTHERN OSWEGO COUNTY HEALTH SERVICES INC NORTHERN OSWEGO COUNTY HEALTH SERVICES INC HEALTH & WELFARE BENEFITS PLAN	NY	$3.5M	$106K	EXCELLUS BLUE CROSS BLUE SHIELD

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.5M

100.0%

State

Plans

Premium

State share

Index

$3.5M

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

NORTHERN OSWEGO COUNTY HEALTH SERVICES INC

NORTHERN OSWEGO COUNTY HEALTH SERVICES INC HEALTH & WELFARE BENEFITS PLAN

$3.5M

$106K

EXCELLUS BLUE CROSS BLUE SHIELD